Direct Line Insurance reports an average of 760 claims annually related to header tanks, with damages sometimes reaching as high as £400,000. Header tanks, commonly found in lofts of approximately 40% of UK homes, are essential for maintaining a steady supply of cold and hot water.
The most prevalent issue reported by homeowners is leaking header tanks, which can lead to significant damage in lofts, ceilings, and first floors. Repair costs typically average £20,000, but in severe cases, where extensive refurbishment is necessary, expenses can soar to over £400,000.
Research indicates that a significant portion of homeowners may not fully understand the risks associated with header tanks. A survey of plumbers revealed that 25% of householders are unaware of the potential for major water damage and flooding if these tanks leak or fail.
Plumbers are called out for header tank-related issues an average of 19 times each year. The recommended lifespan for a header tank is about ten years, yet many tanks in older homes may never have been replaced. This neglect highlights the importance of regular maintenance to prevent problems stemming from natural wear and tear.
To mitigate the risks, over half (54%) of UK plumbers advise homeowners to conduct a header tank maintenance check every one to two years. Given the increased likelihood of pipes and tanks bursting during cold weather, proactive measures are essential to safeguard homes from costly repairs.
“A faulty header tank can cause huge damage to a home,” says Dan Simson, head of Direct Line Home Insurance. “Most people don’t realise the risk they pose if left unchecked until it is too late and by then the damage can be extensive. Flooding, waterlogged ceilings, and mould are just some of the problems we see from claims relating to these tanks.
“To avoid these disasters, homeowners should look out for warning signs like unusual noises from the attic, discoloured water, or visible leaks. Scheduling regular inspections from experts can help to avoid major issues occurring. If safe to do so, householders should regularly check in the loft for signs of water leaks as early identification can save costly issues down the line.
“Freezing weather increases the risk of frozen pipes on cold water and header tanks. Householders therefore need to take precautions to ensure that their loft stays warm enough to prevent pipes and tanks from freezing.”
